Photo: Jerrye & Roy Klotz, MD · CC BY-SA 3.0More hazard damage per building is expected in Montville Township than in 88% of U.S. towns, mostly from river and rain flooding
On FEMA’s National Risk Index, Montville Township gets a D for hazard risk: higher expected damage per building than 88% of U.S. towns, #424 of 468 in New Jersey. Most of that expected damage is river and rain flooding (94%). Flood insurance has paid 104 claims here since 1978.
Graded on FEMA’s expected yearly building damage per dollar of building value (NRI v1.20, December 2025), weighted by where residents live; flood claims are shown, not graded. How hazard risk is graded
What stands out about Montville Township’s natural hazards
From FEMA’s model and FEMA’s records, below.
What Montville Township faces
Each hazard’s share of the building damage FEMA expects here, and how its rate compares with the rest of the country.
River and rain flooding
Shares are of FEMA’s expected building damage, the measure the grade uses; ranks compare each hazard’s building-damage rate with all 85,154 U.S. census tracts. In FEMA’s terms, river and rain flooding is FEMA’s “Inland Flooding” (rivers and streams overflowing their banks, or rain overwhelming drainage). FEMA defines coastal flooding as high or rising tides and storm surge, so surge damage is counted there. Drought isn’t listed: FEMA counts its losses in crops only.
What’s behind Montville Township’s grade
River and rain flooding is 94% of the building damage FEMA expects in Montville Township, and Montville Township’s rate of river and rain flooding damage is in the top 5% of U.S. census tracts.
D #424 of 468 in New Jersey; higher expected damage per building than 88% of U.S. towns (21,298).
Montville Township’s residents live in 4 census tracts; FEMA’s figures are combined by where they live.
The typical New Jersey town has higher expected damage than 56% of U.S. towns; within the state, Montville Township has more expected damage per building than 91% of New Jersey towns.
In dollars, FEMA expects about $17.3M a year in losses across Montville Township: $15.8M to buildings, the rest to people and crops.
Does Montville Township flood? Yes: 104 flood claims since 1978
Every paid claim on a federal flood insurance policy in Montville Township, from FEMA’s records: 12.1 per 1,000 homes, more than 77% of the 13,809 U.S. towns with a flood insurance record.
- Hurricane Irene40 claims · $2.7M
- Hurricane Floyd6 claims · $257K
- Hurricane Ida6 claims · $103K
Montville Township isn’t in FEMA’s Community Rating System, which cuts flood insurance up to 45% in towns that do extra flood-proofing.
Insurance rates: Morris County.13 federal disasters brought FEMA money to Montville Township
Disasters that paid out in Montville Township itself (aid to households or repair grants to Montville Township), newest first, with that year’s flood claims.
- 2021Remnants of Hurricane Ida43 households applied for aid$108K aid approved$8K to Montville Township for repairs6 flood claims paid for it, $103K
- 2021Severe Winter Storm and Snowstorm$145K to Montville Township for repairs
- 2020Tropical Storm Isaias$139K to Montville Township for repairs
- 2018Severe Winter Storm and Snowstorm$185K to Montville Township for repairs
- 2016Severe Winter Storm and Snowstorm$82K to Montville Township for repairs
- 2012Hurricane Sandy69 households applied for aid$4K aid approved$160K to Montville Township for repairs1 flood claim paid that year
Show all 13
- 2011Severe Storm$11K to Montville Township for repairs
- 2011Hurricane Irene43 households applied for aid$105K aid approved$88K to Montville Township for repairs40 flood claims paid for it, $2.7M
- 2010Severe Winter Storm and Snowstorm$61K to Montville Township for repairs
- 2010Severe Storms and Flooding8 households applied for aid$10K aid approved
- 2007Severe Storms and Inland and Coastal Flooding2 households applied for aid$2K aid approved2 flood claims paid that year
- 2005Severe Storms and Flooding1 households applied for aid$2K aid approved1 flood claim paid that year
- 1999Hurricane Floyd Major Disaster Declarations$13K to Montville Township for repairs6 flood claims paid for it, $257K
Morris County has had 25 natural disasters declared by the President since 1953, most often severe storms, then hurricanes and tropical storms. Not counted: the 2005 Hurricane Katrina evacuee emergency, which covered counties that took in evacuees; the 2001 World Trade Center declarations.
Old photos of Montville Township after a storm or flood belong in the town’s history. Add one, or share what you remember below.
Add to the Montville Township archive →Montville Township and its neighbors
Montville Township is 6th of the 8 graded towns here, from least expected damage per building to most. Tap a town to see its hazards.
| Town | Hazard risk | Mostly (buildings) | Flood claims |
|---|---|---|---|
| Fairfield Township | B−more damage than 52% | river and rain flooding | 1,821 |
| Kinnelon | C+more damage than 57% | river and rain flooding | 2 |
| Parsippany-Troy Hills Township | C−more damage than 77% | river and rain flooding | 542 |
| East Hanover Township | C−more damage than 77% | river and rain flooding | 89 |
| Boonton Township | Dmore damage than 87% | river and rain flooding | 47 |
| Montville Township | Dmore damage than 88% | river and rain flooding | 104 |
| Boonton | Dmore damage than 91% | river and rain flooding | 9 |
| Lincoln Park | Dmore damage than 93% | river and rain flooding | 2,935 |
| Pine Brook | — | a Census area inside a town; graded with the town | |
| Towaco | — | a Census area inside a town; graded with the town | |
| Lake Hiawatha | — | a Census area inside a town; graded with the town | |
Hazard risk = FEMA’s expected yearly building damage per dollar of building value, vs. the 21,298 U.S. towns we grade; the map is shaded by fifths of the same scale. Flood claims = paid federal flood insurance claims on record.
Get ready for what Montville Township faces
A short kit for the hazards that drive the building damage here, what to check before you buy, and where neighbors get alerts.
- Turn around at flooded roads: a foot of moving water can carry off a car.
- Flood insurance usually takes 30 days to start, so buy it before the forecast.
- Keep papers and medicines up high, in a grab-and-go bag.
- Look up the address on FEMA’s flood map.
- Ask the seller or landlord whether it has ever flooded, and what flood insurance costs there.
- Get a flood insurance quote early: policies usually start 30 days after you buy.
Know where neighbors sign up for alerts? Add it to the Handbook so everyone has it.
Questions about natural hazards in Montville Township
Is Montville Township at risk for natural disasters?
On FEMA’s National Risk Index, Montville Township has higher expected damage per building than 88% of U.S. towns: D for hazard risk, #424 of 468 in New Jersey. Most of the expected damage is river and rain flooding (94%). This is FEMA’s model of an average year for today’s buildings, not a forecast.
Does Montville Township flood?
Flood insurance has paid 104 claims in Montville Township since 1978, $3.7M in all, or 12.1 per 1,000 homes, more than 77% of U.S. towns with a flood insurance record. 5 properties have flooded more than once. The most claims came from Hurricane Irene (40).
Is Montville Township in a flood zone?
Flood zones are drawn street by street, so the answer depends on the address: look it up on FEMA’s flood map. In Morris County, 1.4% of all homes carry federal flood insurance.
How much is flood insurance in Montville Township?
FEMA’s Community Rating System list shows no discount for Montville Township’s flood program. Premiums depend on the building; policies usually start 30 days after you buy, so get a quote early.
What was the biggest storm in Montville Township?
By FEMA money that reached Montville Township, Hurricane Irene (2011): 43 households applied for aid, $105K approved, and $88K to Montville Township for repairs. By flood claims, Hurricane Irene: 40 paid, $2.7M.
Is Montville Township at risk from river and rain flooding?
It is the largest share of the building damage FEMA expects here (94%), and Montville Township’s rate for it is in the top 5% of U.S. census tracts.
Storm stories
Memories, warnings and help from neighbors in Montville Township.
Sources: FEMA National Risk Index v1.20 (December 2025), census-tract table, combined by where Montville Township’s residents lived in the 2020 census; OpenFEMA: NFIP redacted claims, multiple-loss properties, community status book and residential penetration rates, housing assistance (owners and renters), public assistance funded projects, hazard mitigation properties and disaster declarations. Homes: Census ACS 2020–24. Preparedness tips: Ready.gov. FEMA’s model is an average of expected damage, not a forecast. How hazard risk is graded.